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Recommendations and challenges regarding the construction of climate change impact scenarios in health and life insurance
[Recommandations et enjeux concernant la construction de scénarios d'impact du changement climatique en assurance santé et vie]

Author

Listed:
  • Stéphane Loisel

    (LIRSA - Laboratoire interdisciplinaire de recherche en sciences de l'action - CNAM - Conservatoire National des Arts et Métiers [CNAM])

  • Adeline Stephan

    (Guy Carpenter)

  • Rayane Vigneron

    (UCBL - Université Claude Bernard Lyon 1 - Université de Lyon)

Abstract

Following initial pilot stress test exercises proposed by insurance and banking regulators (see e.g. [ACPR, 2024]), insurance and reinsurance companies face the challenge to design climate change impact scenarios up to time horizons ranging from 2050 to 2100, much beyond the traditional 3 to 5-year view usually provided in their Own Risk and Solvency Assessment. We provide general recommendations for the construction of such scenarios and illustrate them in the context of health and mortality risks of a Metropolitan France insurer.

Suggested Citation

  • Stéphane Loisel & Adeline Stephan & Rayane Vigneron, 2025. "Recommendations and challenges regarding the construction of climate change impact scenarios in health and life insurance [Recommandations et enjeux concernant la construction de scénarios d'impact," Working Papers hal-04983930, HAL.
    • Handle: RePEc:hal:wpaper:hal-04983930
    Note: View the original document on HAL open archive server: https://hal.science/hal-04983930v1
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